If they don't have to, they're not doing it: most individual retirement account owners are not making withdrawals from their IRAs unless obliged to by law because of their age.

Those are the most recent findings from the IRA database of the Employee Benefit Research Institute. Data indicated that only slightly more than 22 percent of those who have either a Roth or a traditional IRA took a withdrawal in 2013.

Most of those withdrawals went to individuals aged 70.5 or older who owned traditional IRAs. That group must make withdrawals under federal required minimum distribution (RMD) rules for IRA owners who have reached that age group.

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